About
Who we are
Insurance made simple — for real people.
DireAuto exists to make protecting your vehicle straightforward, affordable, and dependable. We combine industry expertise with modern technology so you get clear options, honest pricing, and coverage that matches your life — whether you’re driving to work, running a family, or earning extra on delivery gigs. Our policies are built to be flexible: choose only the protections you need and scale up as your situation changes.
Helpful service that actually helps.
We believe great insurance is more than a document — it’s a team that answers when you call, tools that save you time, and a claims process that removes stress instead of adding it. At DireAuto you’ll find straightforward guidance from licensed agents, a digital portal for everyday tasks, and claims support designed to get you back on the road quickly. Reliability, transparency, and respect guide everything we do.
Financial protection for others when you’re at fault.
Liability coverage helps cover the costs if you cause injury or property damage to another party. It’s the baseline protection drivers are expected to carry and a vital safeguard for your savings if a claim or lawsuit arises.
Key parts include:
- Bodily Injury Liability — assists with medical care, lost income, and legal fees for people hurt in an accident you cause.
- Property Damage Liability — covers repair or replacement costs for damaged vehicles or other property such as signage, fences, or buildings.
Having the right liability limits protects your finances and helps you meet legal requirements with confidence.
Repair or replace your vehicle after a crash.
Collision protection pays for damage to your vehicle from impacts with other vehicles or objects — regardless of who caused the accident. It’s especially valuable for newer cars or vehicles with loan or lease obligations.
This coverage can also help with hit-and-run damage and is often a lender requirement, so you won’t be left facing major repair bills alone.
Covers loss from non-collision events.
Comprehensive safeguard protects your vehicle against events other than crashes — theft, vandalism, fire, weather damage, animal strikes, and falling objects. It’s the protection that steps in when unpredictable things happen.
Combined with collision protection, comprehensive coverage helps ensure you can recover the value of your vehicle after a covered loss.
Medical help when accidents occur.
Medical Payments and Personal Injury Protection (PIP) are designed to cover medical bills and related expenses for you and your passengers after an accident, regardless of fault in many cases.
Typical benefits include:
- Emergency care and hospital charges
- Ambulance and urgent treatment
- Short-term lost wage reimbursement
- Physical therapy and rehabilitation
- Limited funeral expense coverage
PIP is required in some states and can be a vital supplement if your health insurance has high out-of-pocket costs.
Not sure what fits your needs?
We simplify the choices so you can pick the coverage that makes sense for your budget and lifestyle — fast. Get clear guidance and transparent pricing in minutes.
Features
Why customers choose DireAuto
Round-the-Clock Claims Help
When an incident happens, access our claims team any time — day or night. We prioritize quick responses and clear next steps so repairs start sooner and headaches end faster.
Savings that stack
We offer a range of discounts — from safe driver programs to multi-policy savings — that help lower your premium without cutting essential protection.
Control from your device
Update your policy, pay bills, download proof of insurance, and start a claim from our online portal or mobile app. Insurance management that fits your schedule.
Testimonials
Real customers. Real feedback.
FAQs
Answers to common questions
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Which vehicles are eligible for coverage?
We insure a wide range of personal and specialty vehicles. Standard passenger cars, light trucks, SUVs, motorcycles, and minivans are commonly covered. We also offer tailored solutions for classic cars, RVs, trailers, and vehicles used for ride-hail or delivery work — subject to underwriting. If your vehicle has custom modifications, our agents can evaluate options to make sure you have suitable protection.
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Can I build a policy that fits my life?
Absolutely. Our policies are modular so you add the protections you want without paying for extras you don’t need. Optional add-ons include uninsured/underinsured motorist coverage, rental reimbursement, roadside assistance, gap coverage for financed vehicles, and enhanced glass or OEM parts coverage. Reach out to an agent to design a policy that balances protection with cost-effectiveness.
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What risks come from letting my insurance lapse?
Letting coverage lapse can lead to fines, registration problems, and higher premiums later. A lapse signals risk to insurers and may disqualify you from certain discounts. If you’re facing a missed payment, contact us — we’ll review options like reinstatement, short-term coverage, or a payment plan to avoid gaps.
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How long does an online quote take?
Most online quotes take only a few minutes. Provide basic details about your vehicle, driving history, and coverage preferences, and you’ll see options and pricing. If your situation is more complex, a licensed agent can complete a personalized quote by phone or chat.
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Do you serve my state?
DireAuto writes policies in most states. Coverage availability and required minimums vary by state, and our quoting process automatically tailors options to your location. During the quote, you’ll see only the plans and limits that apply where you live.